Roc Capital

New from Roc Capital: RealVal.

Appraisals Slow You Down. Close 2x Faster and Win More Fix and Flip & Ground Up Deals with RealVal.

With RealVal, eligible Fix & Flip & Ground Up loans can move forward without a traditional appraisal. Instead, your borrowers simply capture property photos through the mobile app, and Roc Capital's internal valuation team quickly provides an accurate valuation.

What's New?

With RealVal, loan approvals no longer need an appraisal. That's right — no appraisal. Once photos of the property are snapped using the mobile app powered by PLP, the internal valuation team will quickly provide an accurate value.

Why It Matters

  • Close Faster – RealVal loans in our pilot program fund 2x faster on average compared to loans underwritten with an appraisal
  • Seamless Experience – Opt in during loan submission and opt out of coordinating with an appraiser for an inspection
  • Certainty Up Front – The property's value is confirmed earlier in the process, reducing surprises and re-trading.

How It Works

  1. Submit Your Loan – Enter borrower and property info in the portal.
  2. Opt In – Eligible loans display the RealVal Internal Valuation option.
  3. Provide Requirements –
  4. Faster Approvals – Our internal valuation is completed with a quick turnaround, enabling approvals to move forward quickly.
  5. Close Sooner – With RealVal, you reach the finish line faster than ever.

Which Loans Qualify?

Most Fix and Flip loans and select Ground Up Construction loans are eligible for RealVal, helping more borrowers skip the traditional appraisal process and keep their deals moving faster.

Fix and Flip
  • Purchases and delayed purchases only (purchased within 6 months of closing with no debt)
  • Minimum loan amount: $100,000
  • Maximum loan amount: $1,500,000
  • No rural properties unless ARLTV ≤ 50%
  • Level 1 submarkets are not eligible
    • Cook County and Philadelphia are allowed with interior pictures required
  • Any experience score
  • Minimum FICO: 680+ (taken from the borrower with the highest experience score)
  • No foreign nationals
  • No more than 1 mortgage late in the past 12 months
  • Outstanding federal or tax liens must be paid in full
Ground Up Construction
  • Purchases and delayed purchases only (purchased within 6 months of closing with no debt)
  • Minimum loan amount: $100,000
  • Maximum loan amount: $1,000,000
    • Loans over $1M are subject to underwriter pre-screen, up to a $3.5M maximum
  • No rural properties unless ARLTV ≤ 50%
  • Level 1 submarkets are not eligible
    • Cook County and Philadelphia are allowed with interior pictures required
  • Maximum 4 properties per loan
  • No subdivisions
  • Minimum 1–2 completed Ground-Up projects for experience (Tier 3)
  • Minimum FICO: 680+ (taken from the borrower with the highest experience score)
  • No foreign nationals
  • No more than 1 mortgage late in the past 12 months
  • Outstanding federal or tax liens must be paid in full

Get Started

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*Requires 3rd party mobile app download. RealVal valuation service is only available for qualified borrowers (or guarantors) on eligible loans that fit the RealVal criteria. Estimated time from documentation submission to final value determination and closing are based on average processing times but may vary. RealVal valuations are contingent upon the accuracy and completeness of the photographic evidence and property details submitted for the subject property.